Prepared for Sameer Khan — TWFG Khan Insurance Services

COI & Renewal Automation
for Khan Insurance

Sameer — your team handles high-risk commercial, construction, oil & gas, maritime, and Jones Act coverage across Texas. Every one of those lines requires COIs and renewals that eat hours of manual labor. This platform replaces that work with AI.

What We Know About Your Operation

TWFG Khan Insurance Services — Houston, TX 77092
Commercial General Liability (high-risk)
Workers Compensation + USL&H
Jones Act compliance coverage
Construction project-specific insurance
Oil & Gas / Energy
Business Owner's Policies (BOP)
Transportation & Fleet
Armed Security Guard coverage
Every one of these lines generates COI requests and renewals. InsureLLM handles all of them — ACORD 25, 28, and 31.
15min
Manual COI
3min
Automated
45min
Manual Renewal
12min
Automated
Sources: PolicyManagerHub/BLS 2024, OrderSync Pro case study, IA Magazine Feb 2026

What your outsourced team does today

At $21K/yr per person, your offshore team manually processes every COI and renewal. Here's what that looks like — and what it's costing you.

COI Issuance — Manual
1
Request comes in
Email from contractor, GC, or lender needing proof of coverage
2
Look up policy in AMS
Find the right policy, verify coverages, check endorsements
3–5 min
3
Manually fill ACORD 25
Copy insured, carrier, policy #, limits, dates, cert holder info field by field
8–10 min
4
Check endorsements
Additional insured, waiver of subrogation, primary — especially for construction and oil & gas GCs
2–3 min
5
Review & send
Check for errors, email/fax to requestor, file copy
2–3 min
15 min per COI
Source: PolicyManagerHub/BLS 2024
VS
COI Issuance — InsureLLM
1
Upload policy PDF or forward email
10 sec
2
AI extracts all fields with confidence scores
Insured, carrier, policy #, all coverages, limits, dates, endorsements — automatically
30 sec
3
Review & approve
Confidence scores show what's verified. Flag anything below 60% for human review.
1 min
4
ACORD 25/28 generated & emailed
Certificate auto-sent to holder. Tracked, filed, audit-logged.
30 sec
3 min per COI
Source: IA Magazine Feb 2026 (3 min automated benchmark)

Every line you write. Fully covered.

InsureLLM handles COIs and renewals across all coverage types your agency writes — including the high-risk specialty lines that take the most time.

Commercial Lines — ACORD 25

General Liability — including high-risk classes (construction, security, oil & gas)
Workers Compensation — standard + USL&H / Longshore endorsements
Commercial Auto — fleet policies, hired/non-owned auto
Business Owner's Policy (BOP) — GL + property combined
Commercial Umbrella / Excess
Professional Liability / E&O

Specialty Lines — ACORD 25 + 31

Jones Act — maritime employer liability, crew coverage
USL&H / Longshore — dock workers, harbor workers, maritime ops
Maritime Employer's Liability (MEL)
Construction Project-Specific — per-project COIs with AI/WOS/primary
Oil & Gas Operations — energy-specific endorsements
Transportation / Motor Carrier — MCS-90, BMC-91 filings

What the AI Handles Per COI

Every field on an ACORD 25 — extracted from your policy files automatically.

Policy Info
Policy number
Effective / expiration dates
Insurance carrier + NAIC #
Producer / agency info
Named insured + address
Coverages & Limits
GL each occurrence / aggregate
Auto combined single limit
Umbrella each occurrence
WC statutory + EL limits
Deductibles / SIR
Endorsements
Additional insured (CG 20 10)
Waiver of subrogation (CG 24 04)
Primary & noncontributory
Blanket AI / blanket WOS
Per-project aggregate

See it generate a COI for your lines

Click a scenario below — the system auto-fills and generates an ACORD-format certificate instantly.

📄
Click a scenario above to generate a sample COI

Replace $21K/yr outsourced labor with AI

Your current outsourced team costs $21K/yr per person. InsureLLM replaces that work at $10K/yr per seat — with zero errors and 24/7 availability.

Per-Employee Replacement

ItemAnnual
Current outsourced labor (per person)$21,000/yr
InsureLLM AI replacement (per seat)$10,000/yr
You save per employee replaced$11,000/yr

Scale Plan

EmployeesYour CostYou Save
3 employees$30,000/yr$33,000/yr
6 employees$60,000/yr$66,000/yr
10 employees$100,000/yr$110,000/yr

Industry ROI Data

387%
3-year ROI on COI automation
PolicyManagerHub / Insurance Research Council 2024
78% → 91%
Retention improvement after automation
OrderSync Pro case study
80%
Reduction in staff time on COI tracking
PolicyManagerHub / BLS 2024 (11.5 → 2.3 hrs/week)

What's ready now

Built
Document Extraction Pipeline
178 PDFs/sec benchmarked · 100% on core fields (amount, date, ID, vendor) · PyMuPDF + EasyOCR
Built
COI Extraction Agent
Extracts 14 COI fields with per-field confidence scoring · Pending benchmark on live policy docs
Built
Renewal Extraction Agent
Extracts 16 renewal fields · Pending benchmark on live policy docs
Built
InsureLLM AI Model
742 training examples prepared · Fine-tuning ready (Llama 3.1 8B on Together.ai)
Built
Human Review System
Auto-escalation when confidence < 60%
Built
Workflow Engine
Conditional branching, parallel, retry, SLA

Pipeline Architecture

Ingest
PDF / Email / Scan
Classify
60 doc types
Extract
Field-level AI
Validate
Confidence score
Generate
ACORD 25/28/31
Deliver
Email / Portal

Ready to see it on your policies?

Send us 3 policy dec pages and a COI request. We'll process them live and show you the output in under 5 minutes.

Osman A. Janjua — OZ3 Automation
contact@oz3.org — we'll follow up